III. Arguments for Narrow Networks While narrow network health plans are partly the result of a response to regulations in the ACA by insurers and health systems, they are also the product of changing market conditions in the healthcare industry over the past 10 -15 years. First of all, the backlash against managed care plans in the nineties led to the effects of selective contracting being eroded as provider networks were expanded and benefit design enhanced to allow members to see providers outside the network (albeit with a higher cost share). One consequence of this expansion of provider networks has been the increase in insurance premiums. Another contributing factor to higher insurance premiums has been increased consolidation as hospitals and physician groups have merged forming larger entities and as a result increased market power which in turn has enabled these merged entities to negotiate higher prices with insurance companies (Morrisey, 2009).
The nature of the current debate surrounding the implementation of universal healthcare in America is troubling because it is comprised almost entirely of pragmatic arguments void of concern for the principles behind the project. Before one asks how much a thing will cost, how it will be organized, or whether “the uninsured” will benefit, one should ask whether enacting universal healthcare is in keeping with the values and principles of the American experiment. In other words, is universal healthcare good for America? Universal healthcare is not good for America.
Healthcare is an important access we hold, but an issue is that not everyone can have that access to the healthcare they need. There are many arguments regarding the United States adopting a universal healthcare system. Although the universal system may reduce the quality of care the people receive, there are too many people not able to get any kind of care. Therefore a universal healthcare system would be more beneficial to the citizens of the United States than the limited access of care we have today.
The Affordable Health Care Act, also known as “Obamacare”, is basically just Obama trying to make sure that the whole nation has insurance and if they do not have it by January 1, 2014, they will be penalized with a fine. To make insurance more affordable, many Americans are able to qualify for a subsidy that lowers the cost depending on age and income. Also, “Obamacare” made it impossible for insurers’ to discriminate, or charge higher rates, for anyone who has pre-existing conditions or for a certain gender. Medicare will also be easier to obtain due to requirement of insurance. This law was passed in the U.S. on March 23, 2010 by Congress and President Barack Obama.
As President Donald Trump said, “…who knew healthcare was so complicated?” I don’t know President Trump…maybe all the insurers, hospitals, providers and anyone who has had to navigate the healthcare system ever! The eight presidents prior to you, who have attempted to tackle, wrangle, clarify, fix, or enact anything that could reform the healthcare system over the course of the past half-century or more have failed to do so. In 2010 the Affordable Care Act was passed, notoriously known as ObamaCare.
Nearly every citizen of the United States (U.S.) can attest to the fact the current election does not have a perfect candidate running for office. Most people will also agree that this election is incredibly significant because it will determine the path that this country takes. With all this in mind the first candidate running for the office is Hillary Clinton on the Democrat and liberal side. She has a strong background in politics, including her position as Secretary of State for the U.S. for four years, being the First Lady during Bill Clinton’s two term presidency, and being a senator for New York during a 9 near period. The other candidate is Donald Trump on the Republican and conservative side.
Since the enactment of the Affordable Care Act (ACA), millions of uninsured americans now have some type of healthcare. It has expanded Medicaid coverage in some states for low income citizens and has made insurance more affordable for some middle income families. It does this by offering market-based health plans that people can choose from and offers subsidies to families who need help purchasing insurance. The ACA has had some definite effects on healthcare providers. Physicians are seeing a large influx of patients, because of the newly insured.
Affordable housing is a necessary requirement in life for people who accept low income and has a good effect for society. According to Tran, (2015) view that, affordable housing is a worthy resource which has great potentialities in the economic system and it has contributed enormously to change the appearance of the metropolis as well as the countryside. The target of affordable housing gives the support to the community. For example, affordable housing can give us benefit in all aspects such as it brings profit in commercial enterprise, improving the standard of animation and an affordable housing can bring down some of the problems which related to the surroundings. As a consequence, the government should make more affordable lodging for
46.8 million Americans were reported as uninsured in 2013, which equivocates to one sixth of the population. Those without insurance have revealed that they risk “more problems getting care, are diagnosed at later disease stages, and get less therapeutic care” (National Health Care Disparities Report) and those insured risk losing their insurance. Inadequately covered citizens are often working-class individuals who simply cannot receive insurance due to uncontrollable inconveniences and therefore jeopardize having medical coverage. In these instances, Americans have a chance of being diagnosed with diseases that they had no opportunity to prevent or could not diagnose them at an early stage of the illness. Patients have suffered unnecessarily due to lack of health care, and “18,000 Americans die every year because they don't have health insurance” (PNHP).
Free healthcare for everyone I believe everyone deserves to be given free healthcare if they can not afford it. Plenty of people are dying because we don’t have coverage for everyone. More people are needing universal healthcare and we should be able to give it to those in need. This is making us look so bad to other countries.
Health insurance is one of the main insurances ones can have in life. Without reliable health insurance any small treatment can wipe out a person financially. " health insurance is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured" as defined by Investopedia, 2015. The term ‘Health insurance’ was firstly discovered in the United States during the civil war.
Americans have a past of fleeing their homeland, forging new lands, and taking on the unknown. But, as the world changes, American’s are relying less on themselves to provide for their families and more on the federal government. Because of this, the government has created many social welfare programs, one of which is Medicaid. Medicaid is a government program that provides money to people who are unable to pay for regular medical care (Merriam-Webster). The purpose of the program is to ensure better care, healthier people, and smarter spending (CMS).
Health care is the maintenance and improvement of physical and mental health, especially through the provision of medical services. Don 't you believe that this is a right and dignity of all people should be able to have. Your body should be taken care of no matter the gender,race,health,or social economic back ground it is a right. Health care deserves to be able to be taken care of. I believe that universal health care for everyone is very important it will benefit people from the richest to the poorest.
Health care cost has seen to increase gradually as years go by. This has been influenced by major factors such as political influence, emerging chronic diseases, new procedures that are coming up including the technologies being invented for treating illnesses, pricing of medicines and treatment is not regulated and when treating ailment their may arise repetition of tests or a patient gets over treated for a particular ailment. The cost of healthcare has increased due to chronic diseases such as cancer and diabetes etc. The lifestyle people are living in this generation has led to the development of diseases that are expensive to treat or has led to there being over treatment in such for a cure of a particular ailment.
Healthcare is something everyone needs and should be able to get, but right now that is not happening. In America there are millions of people who don’t have healthcare insurance. This is because some can’t afford the insurance plan. There are also millions more who have health insurance, but can’t afford using it. This means that they are paying for an insurance plan, but the deductibles are so high they can’t afford to go to the doctor.
